Capital One review: Horrible bill pay service changes-horrible 360 checking accounts

Without notifying customers, C.O changed the Bill Pay software and the way it worked for customers. In Oct 2023 they removed the prior set-up of allowing customers to organize bill pay into categories from the drop down menu.

I had mine separated into Annual payments-Home & Life Insurances ---Monthly bills--Family bills--Charities. As payments were made, I would write notes to include the amount paid, when, balance due & Memo. The Bill Pay allowed an actual Checkbook Tabulation Account that worked cohesively with the Checking Account. It stated before sending how the payment would be made, electronic or paper check mailed. Also the Checking Account displayed my written notes within the Memo and showed a pic of checks cashed as a reference to discuss with Vendors.

Now ALL the above has been removed! C.O. cannot even produce a record to me of where they sent payments electronically. I have a $39.41 Late Fee from a Vendor that used to get payment within 3 days. C.O CANNOT tell me why payments are not going electronically. Today I called about another payment now 5 days late due to it being sent by Mail. Why would I want a Bank to mail a check for me? If so, I would know that, but C.O has made the Bill Pay service UNUSABLE.

The Manager says she wrote for them to refund my $39.41 back, but that was 4 weeks ago and nothing. I will after 25 yr be moving my monies to another bank that can service everyone esp Military. I have an impeccable credit score, yet Capital One will destroy it ! M Polk-NOLA